| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFIT | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | BLUE CROSS OF CALIFORNIA | $3K | $0 | $3K | 0.10% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | ANTHEM BLUCE CROSS | $3K | $0 | $3K | 0.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 34.92% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.59% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $513 | $513 | 2.40% |
| INTERMEDIARY SOLUTIONS COMPANY4 Filed as: INTERMEDIARY SOLUTIONS CO | 5 SAWGRASS CT FRISCO, TX 75034 | ORE-PAID LEGAL SVS INC DBA LEGALSHIELD | $1K | $0 | $1K | 21.90% |
| DIVERSIFIED INSURANCE GROUP4 Filed as: DIVERSIFIED INS GROUP | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | ORE-PAID LEGAL SVS INC DBA LEGALSHIELD | $817 | $0 | $817 | 13.50% |
| D'ANN DABELL4 | 1174 N 2000 E LAYTON, UT 84040 | ORE-PAID LEGAL SVS INC DBA LEGALSHIELD | $216 | $0 | $216 | 3.57% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF TEXAS | 15305 DALLAS PKWY STE 1100 ADDISON, TX 75001 | ORE-PAID LEGAL SVS INC DBA LEGALSHIELD | $121 | $0 | $121 | 2.00% |
| HIGH POINT ALLIANCE4 | 1119 E BIRCHBROOK CIR COTTONWOOD HEIGHTS, UT 84047 | ORE-PAID LEGAL SVS INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.43% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $589 | $0 | $589 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 687 | $2.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 687 | $3.2M |
| Vision | ANTHEM BLUCE CROSS | 502 | $314K |
| Life insurance | ANTHEM BLUCE CROSS | 502 | $314K |
| Short-term disability | ANTHEM BLUCE CROSS | 502 | $314K |
| Long-term disability | ANTHEM BLUCE CROSS | 502 | $314K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 79 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.